How much does Business Insurance cost?

... . *Data based on NSW BizCover customers How much do food businesses pay for Business Insurance? The average cost of a Business Insurance package for businesses operating in the food industry is $132.75 per month ...

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Business Insurance in Bunbury

... in Bunbury pay around $54** a month for a Business insurance policy. Business insurance is one of the most popular types of insurance for small businesses in Bunbury. In fact, it is arguably important for almost ...

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Business Insurance in Newcastle

... in Newcastle pay around $71.06** per month for their business insurance package. Business insurance is one of the most popular types of insurance for small businesses in Newcastle. In fact, it is arguably important for ...

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What is Business Insurance?

... or offsite) or you have stock items, then you need to protect these with the right Business Insurance cover: Businesses that own stock &/or fixtures and fittings and contents Consultants that use portable valuables like ...

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Business Insurance in Melton

... in Melton pay $79.55** a month for their business insurance package. Business insurance is one of the most popular types of insurance for small businesses in Melton. In fact, it is arguably important for almost ...

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Business Insurance in Parramatta

... Amy E. Real Estate Agent How much does Business insurance cost? On average, small businesses in Parramatta pay $71.30** a month for their business insurance package. Business insurance is one of the most popular types of ...

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Business Insurance in Toowoomba

... in Toowoomba pay $60.97** per month for their business insurance packages. Business insurance is one of the most popular types of insurance for small businesses in Toowoomba. In fact, it is arguably important for ...

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Business Insurance in Townsville

... in Townsville pay $91.55** per month for their business insurance package. Business insurance is one of the most popular types of insurance for small businesses in Wollongong. In fact, it is arguably important for ...

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Business Insurance in Wollongong

... B., Beauty Salon Owner How much does Business insurance cost? On average, small businesses in Wollongong pay $70.12** per month for their business insurance package. Business insurance is one of the most popular types ...

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Business Insurance in Launceston

... !” Anne G. Bookkeeper How much does Public Liability insurance cost? On average, small businesses in Launceston pay $52.8 **for their business insurance packs. Business insurance is one of the most popular types of ...

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Business Insurance in Mackay

... in Mackay pay around $68.55** per month for their business insurance package. Business insurance is one of the most popular types of insurance for businesses in Mackay. In fact, it is arguably important for almost ...

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Business Insurance on the Gold Coast

... tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to ...

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Business Insurance in Geelong

... . Beauty Salon Operator How much does Business insurance cost? On average, small businesses in Geelong pay around $79.43**for their business insurance policy. A business insurance package is arguably important for almost ...

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Business Insurance on the Central Coast

... Central Coast pay around $68.66 a month**for a Business insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is arguably important for almost every kind ...

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Business Insurance in Cairns

... in Cairns pay around $73.93** a month for a Business insurance package. Business insurance is one of the most popular types of insurance for small businesses in Cairns. In fact, it is arguably important for almost ...

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Business Insurance in Bundaberg

... in Bundaberg pay around $60.51** a month for a Business insurance policy. Business insurance is one of the most popular types of insurance for small businesses in Bundaberg. In fact, it is arguably important for almost ...

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Business Insurance

What’s included & what’s not?Get the right cover The business of Business Insurance* Whether you have just served your first customer or you have been in your business for many years, you have put a lot of time and ...

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Common Small Business Insurance Claims and How to Prevent them.

If you are a small business owner you know that things ... your business and your bottom line. Whilst you've got the insurance ... ... Given our limited resources it's hard to plan for everything. Here are some of the most common BizCover Business Insurance customer claims, and tips on how to prevent them. Theft Theft is unfortunately common for small ...

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Business Insurance FAQs

... the answers! Check out our library of FAQ's designed to make insurance easy to understand. Get Free Quotes Ready to sort out your Business Insurance? Your small business is a big deal to us. Get the right cover by ...

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Statutory Liability

What’s covered & what’s notThings to considerBack to Business Insurance Statutory Liability* Statutory Liability insurance covers the company, senior management and employees for allegations of wrongful breaches of key ...

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Business Insurance Guide for the Self-Employed - Part 2

Navigating the world of business insurance can be confusing which is ... 've created a guide to business insurance for the self-employed that ... ins ... , the financial disruption of a claim could be enough to send you out of business. Without the protection of Professional Indemnity insurance, personal assets like your home may be at risk to cover the claim-related ...

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Small Business Insurance Index

... strong price increases in the business insurance market, SMEs are continuing to ... in the cost of business insurance, the BizCover SME Insurance ... of business insurance, the BizCover SME Insurance Price Index shows that overall pricing for SME insurance has ... year the increases were minimal. SME Professional Indemnity insurance prices have also remained flat over the ...

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Business Insurance Guide for the Self-Employed - Part 3

... print in the world of business insurance, it can feel like you ... , comprehensive guide on all things Business Insurance for the self-employed. In ... Business Insurance and the main kind of coverage options to consider. What is Business Insurance? Business Insurance* is an insurance ... in legislation Losses beyond the indemnity period Voluntary closures Losses due ...

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Finding the Right Business Insurance Can Be Hard but BizCover Makes it Easy

... minutes. If you run a business, it is absolutely essential that ... yourself and your assets with business insurance. However, figuring out exactly ... of the more common types of cover include public liability, professional indemnity, cyber liability, business interruption and tax audit insurance. In many cases, businesses will need to mix and match different types of ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business can be pretty straightforward, jump ... quotes and buy the insurance that suits your business ... Professional Indemnity cover. Make sure your policy stays relevant and on the move It's wise to review and update your coverage every year. No doubt your business is on the move and changing and so your insurance needs ...

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Small Business Insurance Index Q2: 5 point increase, largest in 10 quarters

The Quarterly BizCover Small Business Insurance Index has shown that Australian ... enjoyed the end of declining insurance premiums with an increase of ... which saw premium rates increase 10%. Professional Indemnity have just normalised back to the average prices ... is a great time to be a buyer of insurance and if businesses are willing to obtain multiple quotes it is likely ...

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6 Areas You May Not Have Thought Business Insurance Covers

... 's vital to protect your business assets and revenue against potential ... risks that may impact your business, such as fire, storms, theft ... accidental ... solutions to protect your business. You can tailor a policy to suit your needs and include other essential covers such as Public Liability and Professional Indemnity insurance to ensure you are not left financially ...

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Insurance for Psychologists

... underwriting criteria will apply.  Get a hassle-free quote for your business here. Insurance for Psychologists Professional Indemnity* Psychologists work hard to hone their professional expertise and to build ...

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Insurance for Civil Engineers- what you need to know

... think about what kinds of business insurance coverage you may need to ... ... costs, which could have a devastating impact on your business. Professional Indemnity insurance Professional Indemnity insurance is a type of insurance coverage selected by professionals, including civil engineers ...

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7 Types of Insurance Your Small Business Should Consider

If you own a small business, there's no denying one ... assets is Small Business Insurance. But what kind of insurance do you actually ... it ... be addressed in a policy tailored specifically for your profession. Professional Indemnity Insurance explained. Business Insurance Business Insurance often comes as a package encompassing a range of different coverage ...

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5 Questions to ask yourself before buying Insurance for your Small Business

Know you need business insurance but aren't sure how ... up a new business or have been in business for a while ... and looking to buy insurance ... of injury or property damage to 3rd parties due to your business activities Professional Indemnity insurance protects businesses that provide a professional service or give specialist advice against financial losses ...

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Professional Indemnity Insurance for Civil Engineers

... , considering Professional Indemnity insurance to protect* you and your business from [] ... ... costs with a claim can be crippling, and potentially enough to send you out of business. Below we'll explore Professional Indemnity insurance and how it can apply to your work as a Civil engineer. Civil Engineering ...

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Insurance for Architects

... cocktails on a tropical beach, you should consider run-off insurance which continues to provide important Professional Indemnity insurance for your business for any claims arising from work you do before finishing up ...

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Insurance for Real Estate Agents

... Territory in Australia. You should consider those which apply to your business. Insurance for Real Estate Agents Professional Indemnity Insurance* Are the details accurate? Is the property valued correctly? Is that ...

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Insurance for IT Professionals

... Indemnity insurance policies. Public Liability Insurance* Chances are you spend most of your time visiting your client's offices. Public Liability insurance is designed to provide protection for you and your IT business ...

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Insurance for Professionals

... or advice.  Your Professional Indemnity insurance will meet the associated compensation ... , there is always the potential for mishaps and accidents. Business Insurance* Your clients are your bread and butter, but would ...

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Insurance for Consultants

... of your business. In other words, there is a potential for you to have enormous liability exposure, which may affect your personal assets if things go wrong. Insurance for Consultants Professional Indemnity* There are ...

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Insurance for Accountants

... , and these errors or omissions could result in financial losses for your clients. Professional Indemnity insurance will protect your business from losses arising out of acts, errors and omissions from a wide variety of ...

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Keep calm and stretch on with Yoga Teacher insurance

... of arranging your yoga teacher insurance go. As a yogi or ... to protect your business. Let us centre your insurance chakra by exploring ... be held liable. So don't leave it up to chance and consider Professional Indemnity insurance to protect you and your business. What it typically covers? The financial consequences of negligent acts that you, or even ...

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Insurance for Hair & Beauty Services

... claim against you could be very costly to your business, not to mention damage your reputation. Professional Indemnity insurance is designed to protect your business from losses claims made against you arising from ...

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Insurance for Carpenters

... all things carpentry you may need to consider Professional Indemnity insurance* to protect your business if things don't go to plan. Professional Indemnity insurance protects you against losses claimed by a third party ...

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What are the Insurance Options for Land Surveyors?

... yourself and your company with insurance is a smart investment. Land ... ... has the legal support required to defend their rights, Professional Indemnity Insurance can be crucial. PI insurance is designed to respond to claims against your business for losses as a result of actual or alleged ...

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Insurance for martial art teachers

... may be at risk. Even more reason to have appropriate insurance to protect you and your business! Insurance for martial arts teachers Professional Indemnity Insurance* However careful you may be there is always the ...

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Insurance for Pet Professionals

... . This can result in expensive legal fees, time away from your business and potential damage to your business' reputation. Professional Indemnity insurance* protects you against losses claimed by a third party due to ...

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Insurance for Plumber

... damage as a result of your negligent business activities. Professional Indemnity Professional Indemnity insurance* is an important form of protection for businesses that provide specialist services or professional advice ...

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Insurance for Land Surveyors

... your surveyor business with Business Insurance. Did you know? Be sure to consider Business Insurance to cover your expensive equipment when out in the field. Insurance for Land Surveyors Professional Indemnity* As a ...

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Insurance for Personal Trainers

... be thrown around, and claims are made, whether right or wrong. Professional Indemnity Insurance* is designed to have your back. It protects your business from losses incurred as a result of claims of actual or alleged ...

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Insurance for Marketing Consultants

... profits, but you should consider appropriate business insurance to protect you against potential pain- ... you are expected to meet. Insurance for Marketing Consultants Professional Indemnity* As a marketing consultant, ...

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Insurance for Project Managers

... your projects take you across the country, your Professional Indemnity insurance covers you anywhere in Australia.   Get the cover for your business Professional Indemnity*  Your role as a project manager brings a ...

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5 Tips for an Insurance Health Check

If your insurance is due for renewal or ... a general review of your business, it's worth taking time ... your insurance to ensure that if the ... back on track. Below are some common types of insurance available for small businesses and the risk areas that they cover. Professional Indemnity Protection against financial losses for any legal action taken against ...

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The Risky Business of Insurance

... Costs to Australian Small Business? Small business owners tend to be ... and future planning. Managing business risk and ensuring that a . ... PL Professional Indemnity - protects against losses for any legal action taken against your business for advice or services you have provided. All businesses providing advice should have PI Business Insurance - insures ...

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Insurance for pharmacy and pharmacists

... for pharmacies Whilst Professional Indemnity and Public Liability insurance provides cover for legal liabilities arising from your practice as a pharmacist and your business activities there are other elements ...

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A Guide to PI Insurance

... omissions insurance, PI or Professional Indemnity). What is Professional Indemnity Insurance? Professional Indemnity Insurance is .. ... known as errors and omissions insurance, PI or Professional Indemnity). What is Professional Indemnity Insurance? Professional Indemnity Insurance is a form of business insurance for professionals who are in industries ...

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Small Business Index July 2015

SMEs benefiting from declining insurance rates but is the tide ... capacity and competition in the insurance market over the last few ... down the price ... with capital chasing returns in insurance.” The Professional Indemnity rates reduced the most this ... than the base value only 3 years ago. Public Liability /Business Packs have not enjoyed as much of a drop in prices, ...

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Insurance Premiums for Retailers Continue to Climb

... Climb The latest BizCover Small Business Insurance Price Index has been released ... showing an increase in small business insurance rates, with ... universal. Graph 1 – BizCover Insurance Price Index (Financial Year 2017 2nd Quarter) There was no change in the Professional Indemnity sector, but the index for Public Liability and Business Packs increased 4 points ...

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Professional Indemnity Insurance for Consultants

... number of people that start businesses, in Australia have been experiencing ... a steady growth in business for the past few years ... idea of starting ... As an example, at some point you may want to add business insurance or public liability insurance for your own protection. When you buy a Professional Indemnity insurance policy, it usually is a good idea to look around ...

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Insurance for Engineers

... collapsing to roads rupturing - the consequences (and costs) can be severe. Professional Indemnity insurance is designed to provide your business with a solid foundation when things don't go to plan. It protects you ...

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Insurance for Electrical Engineers

... business' unique needs and get covered instantly. Did You know? Professional Indemnity policies available to electrical engineers through BizCover start with limits of cover from $1m all the way up to $10m  Insurance ...

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Additional Cover for Professional Indemnity Insurance

... certificates of insurance - it's just part of the business. Hish ... Mines, a busy IT consulting business providing information management ... also with the additional cover option of public liability. Hish says his clients expect his business to be covered by professional indemnity insurance to ensure there is cover in place in the case of any potential legal ...

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Insurance for IT Professionals Colour Test 2

... respond to the claim. Insurance for IT Professionals Professional Indemnity The IT world is a ... Business Insurance If any of the following circumstances relate to your business then you should consider Business Insurance ...

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Insurance for IT Professionals Colour Test

... respond to the claim. Insurance for IT Professionals Professional Indemnity The IT world is a ... Business Insurance If any of the following circumstances relate to your business then you should consider Business Insurance ...

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How Does Professional Indemnity Insurance Benefit You?

... be referred to as professional indemnity insurance. Professionals are expected to possess ... ... clients. It is advisable that you have general business insurance in order to protect you from financial losses caused ... this, you should have professional indemnity insurance that provides coverage against lawsuits filed ...

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Insurance for Civil Engineers

... and services. This is where Professional Indemnity insurance becomes vital to you and your business. Professional Indemnity insurance is an important form of protection for businesses that provide specialist services or ...

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Top 5 Reasons for Having Professional Indemnity and Public Liability Insurance

... worked hard to build your business, so it makes sense to ... hold and maintain Professional Indemnity and Public Liability insurance. #1 Protection ... worked hard to build your business, so it makes sense to protect it. Below are the top 5 reasons NHAA members should hold and maintain Professional Indemnity and Public Liability insurance. #1 Protection against claims ...

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Insurance for Nurses

... For more information about your insurance requirements visit the Nursing and Midwifery Board of Australia website. Get the cover that’s right for your nursing business Professional Indemnity* The joy of qualifying as ...

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Insurance for Registered Migration Agents

... lodgement of documentation and the list could go on. Professional Indemnity insurance is designed to protect you by responding to claims against you or your business for losses incurred as a result of actual or alleged ...

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Insurance for Recruitment Consultants

... it's important that you recruit the right insurance for your business. With just a few clicks or a single ... take out Professional Indemnity insurance for your Recruitment Consultancy.. This insurance is designed to respond ...

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Triumph after Tragedy for QLD Fitness Trainer Latest Winner of Bizcover.com.au $60,000 'Small Business Buddy Program'

... .com.au $60,000 'Small Business Buddy Program' Michelton resident Charlotte ... her new personal fitness training business, focused on seniors, and ... , small and medium sized businesses buy Professional Indemnity, Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover provides multiple insurance quotes instantly online and the ...

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The Art of Being a Creative Small Business

... you're running your own business as a small team or ... and many more. Any small business owner [] ... of wisdom for others looking to start a 'creative' business Monica has this advice, “if you are passionate about ... skill, they may need to consider Professional Indemnity insurance due to the risk of giving advice to ...

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Dishing up the facts on food business insurance

... whether you have the right business insurance. When it comes to insuring ... your small food business, sometimes it can feel like ... ... like there is an overwhelming choice of policies and policy options to choose from. Why do I need insurance for my food business? Whether you are serving up fancy dishes in a restaurant, coffees in a café or tacos in a ...

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Business Insurance Guide for the Self-Employed - Part 1

... plans for success. Any solid business plan should have a focus ... strategies and protection for your business for the long haul. From ... , there ... themselves on your property is a reality and one that could be very costly. Public Liability insurance protects your business, even if it is a home-based operation. Market stall-holders– A minimum level of Public ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically worry about covering ... most risks that a small business faces? Have ... thieves to make themselves welcome. Glass cover is often an option that can be taken out as part of your Business Insurance policy. In some cases may even be a requirement by your landlord. It not only covers repair or ...

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Home Based Business Insurance

... was compromised. The impact could be devastating to your business. Cyber liability insurance is a type of business insurance product, which protects your business against both the legal costs and expenses (including ...

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iSelect partners with BizCover to launch business insurance comparison

... has expanded their general insurance offering to include business insurance, through a partnership ... BizCover, Australia's leading small business ... company was thrilled to be partnering with BizCover to assist it in focusing on the SME business market. “Business insurance, like many of iSelect's other verticals, is a very complicated but important product. We know ...

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Business Insurance Guide for the Self-Employed - Part 4

... final piece of our Business Insurance for the self-employed ... Accident and Illness insurance and Cyber Liability insurance. We share .. ... ? Give us a call or jump online to discover a variety of business insurance options to help protect your business. At BizCover we're all about making insurance easy and hassle-free, providing multiple quotes from some of ...

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Getting the Best Value on Your Business Insurance

The new year is now in full swing, and if you're like some of us in this office, you will probably have resolved to be a bit smarter with your money in 2016 and perhaps ... plan for you we can help you with tips on getting the best value on your business insurance. Cover yourself up! Check your insurance cover levels to see whether you have the right levels of cover. First let's make ...

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Small Business Insurance Price Index Q3

Insurers hold on to SME Insurance Premium Price Increases! Despite a ... Quarterly BizCover Small Business Insurance Price Index has shown insurance ... are holding on to pricing gains made last quarter. The latest Quarterly BizCover Small Business Insurance Price Index has shown insurance rates dropping back two points. Despite this drop, some insurers have managed to ...

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5 Reasons To Review Your Business Insurance This Christmas

... stressful!) time for many small businesses. Come December the big Christmas ... ... or manufacturing, chances are at this time of year you are carrying increased stock levels. Do you have Business Insurance to cover your stock and contents from theft or damage? And if you do have you considered whether ...

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The Easter Bunny's Guide to Business Insurance

... denying that Easter is big business. In the Easter game, the ... ... 's factory broke down or the refrigerators that the eggs are stored in stop working? Within a Business Insurance pack the Easter Bunny would have cover for machinery breakdown and the deterioration of stock, covering the ...

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Insurance for Furniture Manufacturers

When you run your own business, there is a lot ... wrong. This is where business insurance comes into play and should ... business' risk management ... provides you with cover in relation to the products you import. Business Insurance* A lot goes into owning your own furniture manufacturing business, from your premises to your machinery, equipment and even stock. You ...

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BizInsure Capitalizes on the Paradigm Shift in Commercial Insurance!

... -edge online insurance model that connects independent professionals and small businesses to ... critical Professional Liability (E&O) insurance ... (annual revenues under 2.5 million dollars) have not had many alternatives when it came to buying business insurance. BizInsure has entered this space to satisfy the needs of this important and growing market; small ...

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Insurance for Car Wash and Auto Detailers

... property damage as a result of your negligent business activities. Business Insurance* Business Insurance is a package designed to provide cover for your business contents, stock, tools and commercial premises when an ...

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Public Liability Insurance Scenario

Just imagine: A phone call out of the blue. The caller has a voice you don't recognise. He's telling you he is hurt - badly - and you're responsible. You hang up. He ... – she says nothing could be worth that amount of anguish. “If I had been responsible and set my business up with the insurance I needed, it would have been a very different story for me,” Janine says from her new home in ...

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Insurance for Massage & Alternative Therapies

... . A compensation claim made against you could potentially cripple your business, not to mention ruin your reputation. Professional Indemnity insurance will protect you against losses claimed by a third party due ...

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Insurance for Gift Shops

... tripping on stock that was left on the floor. Having the right Public Liability insurance will give you peace of mind. Business Insurance* Your customers are important but so is your stock, shop contents, and building ...

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Insurance for Allied Health Professionals

... which may result in a Professional Indemnity claim. A Professional Indemnity claim has the potential to cripple your business, and ruin your reputation. Professional Indemnity insurance is designed to protect you ...

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The business of Business Insurance*

Whether you have just served your first customer or you have been in your business for many years, you have put a lot of time and effort into building your business. Don’t risk wasting all this effort by not protecting your business assets from unexpected events. No matter how much you plan and prepare for things, sometimes there are circumstances that are out of your control – you need to ensure you have a plan to protect your business today to ensure you’ll be in business tomorrow.

Business Insurance can provide financial cover for your business, including the premises and contents, against loss, damage or theft as well as cover against any resulting financial loss from an insured interruption to the business. The type of cover and amount will depend on the nature of your business and what areas you think you are the riskiest for you. Pick and choose the cover options that suit you best. And you can include Public Liability Insurance to ensure you are not financially responsible for the costs of a legal claim should a third party get injured or suffer property damage whilst you are doing business.

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What is included?

A) Material damage loss for your physical assets

B) Financial loss due to Business Interruption

Choose cover options below!

What is typically NOT covered?

  • Negligence/breach of duty arising from an act, error or omission as a result of your professional services
  • Flood damage is generally excluded from standard policies
  • Known claims and circumstances

Download Business Insurance Fact Sheet

Link to Business Insurance Factsheet

Get the cover that is right for you

Your business may be considered ‘small’ but it’s big to you and big to us. That’s why we want to make sure you have the right protection. We offer various cover options to suit a variety of businesses.  Take a few minutes to consider some of the following risk areas and think about which ones impact you and how much cover your business would need should things not quite go to plan.

*As with any insurance, cover is subject to the terms, conditions and exclusions contained in your policy document.  The information contained on this webpage is general only and should not be relied upon as advice.